Central State Bank (FDIC #1550): Bank Stress & Real-Estate Credit Exposure
Central State Bank (FDIC Cert #1550): bank stress 56/100, moderate, STABLE over 7 days; parent AJJ BCORP INC.
Central State Bank (#1550) lends in 4 counties across 1 state; Central State Bank (#1550) reaches 90 ZIP codes: Iowa 4 counties, 90 ZIPs.
Central State Bank (#1550) largest markets: Linn County, IA (30 branches, 30 ZIPs) (#1550), Benton County, IA (24 branches, 24 ZIPs) (#1550), Clayton County, IA (72 branches, 24 ZIPs) (#1550), Johnson County, IA (48 branches, 24 ZIPs) (#1550).
Central State Bank (#1550) reports $419.3 million in total assets; Central State Bank (#1550) equity $41.5 million (9.9% of Central State Bank (#1550) assets); Central State Bank (#1550) domestic deposits $344.4 million; Central State Bank (#1550) net income $3.8 million; Central State Bank (#1550) return on assets 1.73%; Central State Bank (#1550) return on equity 18.12%; Central State Bank (#1550) net interest income $6.7 million; Central State Bank (#1550) call report June 30, 2026.
Central State Bank (#1550) noncurrent real-estate loans: none reported; Central State Bank (#1550) net charge-offs on real estate 0.02%; Central State Bank (#1550) residential charge-offs 0.06%.
Central State Bank (#1550) net interest margin 3.33% against an eight-quarter Central State Bank (#1550) average of 2.73% (Central State Bank (#1550) compression -0.60 points); Central State Bank (#1550) non-residential real estate 5.6% of equity; Central State Bank (#1550) rate-exposure score 40/100, Central State Bank (#1550) fixed-rate trap 40/100; Central State Bank (#1550) risk type credit driven; Central State Bank (#1550) rate regime rates elevated, Central State Bank (#1550) snapshot October 19, 2026.
Central State Bank (#1550) stress score moved from 63.6 on June 22, 2026 to 56.4 on October 20, 2026; Central State Bank (#1550) ranged 56.4 to 63.6 over 117 snapshots.
Central State Bank (#1550) alerts: 4 counties; top Central State Bank (#1550) alert scores: Cedar Rapids County, IA 20 (low); Marquette County, IA 20 (low); Swisher County, IA 20 (low); Walford County, IA 20 (low).